The Role of Electronic Banking Services in Improving Profitability in Libyan Commercial Banks." A Field Study on Commercial Banks in the City of Al-Bayda"(National Commercial Bank, Al-Wahda Bank, North Africa Bank).
DOI:
https://doi.org/10.54172/5tnvee78Keywords:
Electronic Banking Services, Commercial Banks’ Profitability.Abstract
This study aimed to identify the role played by electronic banking services (represented by providing electronic banking services, their usage cost, and the speed of execution) in improving the profitability of Libyan commercial banks. The study sample included three commercial banks: National Commercial Bank, Unity Bank, and North Africa Bank, located in the city of Al-Bayda. To achieve the study’s objective, the researchers used a questionnaire, distributing 50 questionnaires to employees at the banks under study, of which 44 were valid for analysis. The data were analyzed using SPSS, following a descriptive-analytical approach with both documentary and quantitative methods. The study results indicated that electronic banking services play a role in enhancing the level of profitability in Libyan commercial banks. The study recommended that commercial banks work on updating electronic banking applications in accordance with labor market requirements.
References
References
First: Arabic References:
Al-Bukhari, Ramdani Muhammad (2022). The Role of Electronic Banking Services in Improving the Performance of Commercial Banks: A Case Study of a Sample of Commercial Banks in Ouargla. Unpublished Master's Thesis [Kasdi Merbah University of Ouargla].
Bakhit, Muhammad Bahaa El-Din, Ezz El-Din, Asr Hassan, and Awad, Abdel Moneim Saad (2018). The Impact of Electronic Banking Services on the Profitability of Commercial Banks: An Applied Study on Libyan Commercial Banks. Journal of Accounting Research, 5(2), 166-216.
Ben Abdallah, Sundus (2024). Digital Banking Services and Their Role in the Profitability of Algerian Commercial Banks: A Case Study of the National Bank of Algeria. Journal of Banking and Financial Economics and Business Administration, 13(1), 90-109.
Benjamin, Vian Mahdi (2023). The Impact of Banking Information Technology on Improving the Quality of Services in Commercial Banks: A Field Study on Private Commercial Banks. Unpublished Master's Thesis [Near East University]. Jaber, Abdul Hamid Mohammed (2016). Clarifying the Interrelationship Between the Use of Modern Banking Tools and Technologies and the Performance of These Banks as Represented by Profitability. Unpublished Master's Thesis, Suez University.
Hassoun, Hala Eidan, and Khalaf, Wahida Jabr (2022). Analysis and Measurement of Internal Factors Affecting the Profitability of Commercial Banks: An Applied Study on Bank of Baghdad and Middle East Bank. Al-Riyada Journal for Finance and Business, 3(1), 297-318.
Reda, Tawahir (2018). The Impact of Electronic Banking Services on the Profitability of Commercial Banks: A Case Study of Gulf Bank of Algeria. Unpublished Master's Thesis, Kasdi Merbah University of Ouargla.
Al-Zoubi, Saddam, and Al-Afif, Mohammed (2023). The Impact of Electronic Banking Services on the Profitability of Commercial Banks: An Applied Study on Jordanian Commercial Banks. Arab Journal of Management, 43(3), 253-271.
Sawan, Ahmed, and Al-Zaddam, Farouk (2024). The Impact of Electronic Banking Services on the Financial Performance of Libyan Islamic Banks: A Case Study of Al-Yaqeen Bank. Journal of Economic and Political Sciences, 21(1), 242-261.
Abdul Aziz, Abdul Aziz Imnisi, and Badr, Akram Salem (2024). Evaluating the Financial Performance of Libyan Commercial Banks Using Profitability Indicators. Journal of Bani Walid University for Human and Applied Sciences, 9(3), 446-462.
Omran, Bashrair, and Mourad, Tahtan (2016). The Impact of Electronic Banking Services on Improving Service Quality in Banks: A Case Study of Public and Private Agencies in the Wilaya of Blida. Maaref Journal of Legal and Economic Sciences, 11(20), 168-182.
Al-Farjani, Ibrahim, and Al-Darsi, Abdullah (2021). Liquidity Risks and Their Impact on Profitability Libyan Commercial Banks. Al-Jami'i Journal, (33), 201-220.
Nawal, Gharbi (2018). The Impact of Using Electronic Bank Cards on the Profitability of Commercial Banks: A Case Study of a Sample of Algerian Banks. [Unpublished Master's Thesis] [Kasdi Merbah University of Ouargla].
Second: Foreign References:
Ogutli, M.K. (2019). Effect of e-banking on the financial performance of listed commercial banks in Kenya. Global Scientific Journals, 1(7), 722-750.
Sadr, S.M.H. (2013). Consideration of the effect of e-banking on bank profitability: A case study of selected Asian countries. Journal of Economics and Sustainable Development, 2222-2855.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 احمد محمد نصيب نصيب، ريما المبروك عبد الله، مسعودة حسن أبوبكر (مؤلف)
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Copyright of the articles Published by Al-Mukhtar Journal of Economic Sciences (Mjes) is retained by the author(s), who grant Mjes a license to publish the article. Authors also grant any third party the right to use the article freely as long as its integrity is maintained and its original authors and cite Mjes as the original publisher. Also, they accept the article remains published by the Mjes website (except in the occasion of a retraction of the article). All Mjes Published articles under the Attribution-NonCommercial 4.0 International License.
How to Cite
